Diabetes travel insurance

Getting the right cover to travel with diabetes

Diabetes, whether Type 1 or 2, doesn’t stand in the way of you travelling and enjoying your holidays.

The world’s waiting. But before you go, let’s get your travel insurance sorted to make sure your diabetes is covered.

As a specialist provider of travel insurance for people with medical conditions, including diabetes, we know that one-size doesn’t suit all. With us, you can get cover to suit your needs and holiday plans to a level that fits you.

Get your diabetic travel insurance quote online or call us for free on 0800 888 6195.

Do I need to declare my diabetes when getting travel insurance?

Yes, it’s really important that you declare and cover your diabetes, along with any other conditions, on your travel insurance.

We want you to be able to travel with confidence knowing that if you need emergency medical assistance for your diabetes, or anything else, you will be covered.

Without declaring diabetes, you won’t be fully covered for any potential claim that may be caused by your condition.

To give you a quote that meets your needs, we will need to find out more about how your pre-existing medical conditions affect you. That includes your diabetes. By giving us as much detail as you can, you will be able to enjoy your holiday worry-free.

Is my diabetes covered by my European Health Insurance Card (EHIC)?

If you are planning a holiday or trip to Europe, you’ll need to get an EHIC.

The EHIC is free and entitles you to free healthcare in most European countries when you use their state healthcare. It’s worth being prepared in case you experience a medical emergency related to your diabetes during your holiday. Before you travel, check that your destination is covered by EHIC, as not all countries accept it.

Your EHIC is not the same as having good travel insurance for your medical conditions and won’t cover you for things that go wrong, such as having to cancel your holiday, or emergency transportation home. That’s where your travel insurance comes in. What your EHIC can do is reduce your medical costs where subsidised healthcare is available.

If you can use your EHIC and you have had to pay a subsidised fee for your healthcare we will remove the excess fee for your medical emergency claims.

My family don’t have diabetes, should they be on the same policy as me if we’re travelling together?

You might think that it is better to buy a separate policy that covers your diabetes to your family or fellow travellers when going away. Buying a travel insurance policy together can often be cheaper and also gives you additional benefits.

The biggest benefit of buying your travel insurance together is being reassured that you should all be covered if you have to cancel your holiday due to a medical emergency. If you had purchased separate policies, it is unlikely that any traveller other than the person who is ill would be fully covered for having to cancel the holiday.

So buying your cover together on the same policy will give you and your family the added protection and reassurance if you do need to claim back the full cost of your holiday, instead of only a small percentage of it.

Annual Multi-Trip travel insurance

If you are planning on travelling more than once this year, taking out an annual travel policy with us may work out more cost-effective.

Benefits of our Travel Insurance

Cancellation cover of up to £7,500 (Up to £10,000 cruise cancellation cover)

Up to £1,000 Hospital Daily Benefit on Classic and Deluxe cover

Personal liability of up to £2,000,000

Personal belongings cover of up to £3,000

Up to 17 days winter sports cover included on Classic and Deluxe Annual Multi-trip policies, up to the age of 70*

End Supplier Failure cover of up to £2,500 included on Classic and Deluxe policies

Optional Gadget cover of up to £1,000

Exclusive policy for cruises with a host of additional benefits available

Optional Golf and Terrorism cancellation cover also available on our Classic and Deluxe policies

What is Hospital Daily Benefit

We understand that being admitted to hospital during your holiday is one of the last things you want. That’s why we offer up to £1,000 Hospital Daily Benefit on our Classic and Deluxe cover. So if you are admitted to a state recognised hospital abroad as an in-patient for more than 24 continuous hours, we can help you. This will help you cover the costs of taxi fares and other additional expenses during your hospital stay.

Depending on the type of policy you need, we have different levels of cover available. When choosing the best policy for your needs, it’s a good idea to think about what you need to cover first.

For example, thinking about how much your holiday has cost per person – this should be the amount you need to cover for cancellations and having to cut your holiday short. It’s worth bearing in mind that sometimes the cheapest option will not always cover your holiday plans.

What questions will I be asked about my diabetes?

As part of our medical screening process we will need to ask you some of the following questions to help build a policy that covers you:

Do you take medication for your diabetes?

How many unplanned admissions to hospital have you had for diabetes in the last two years?

Have you ever been a smoker

We will also ask you if you have or have had any of the following conditions:

Stroke

amputation of leg, foot or toe

nerve damage

retinal eye damage

leg or foot ulcers

impairment of kidney function

peripheral vascular disease

angina

heart attack

If you’re ready with this information you can either get a quote online or call 0800 888 6195.

I’ve already purchased diabetic cover, do I need to update you if my medical conditions change?

If you need to update your medical conditions on your policy our Customer Services Team can help you. You will need to let us know about any new conditions before you travel on your policy in order to be covered for them.

Update your cover today by calling 0808 281 0389.

*Based on over 6,000 reviews on independent review site Trustpilot. Data accurate as of November 2018. **Medical conditions apply

* Discounts apply to the base premium only and cannot be used in conjunction with any other offer. As with most policies, exclusions apply. A policy wording is available on request.

Avanti Travel Insurance is a trading name of TICORP Limited. Avanti Travel Insurance is arranged by TICORP Limited which is registered in Gibraltar company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC1238B and trades into the UK on a freedom of services basis, FCA FRN 663617.
Avanti Travel Insurance is administered by Howserv Limited which is registered in England and Wales number 03882026. Registered ofﬁce: Britannia House, 3-5 Rushmills business park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

We are remunerated by commission for the arrangement, service and renewal of your insurance policy. Also, for some of our insurers we may receive a profit share payment if they achieve performance targets across their product portfolio.